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During the last 20 years, people have witnessed the dynamic development of e ...
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<title>Need a Style Makeover But Short on Cash? Payday Loan to the Rescue</title>
<link>https://fankieems.info/need-a-style-makeover-but-short-on-cash-payday-loan-to-the-rescue/</link>
<comments>https://fankieems.info/need-a-style-makeover-but-short-on-cash-payday-loan-to-the-rescue/#comments</comments>
<pubDate>Tue, 18 Jul 2023 06:03:38 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Online payday loan]]></category>
<guid isPermaLink="false">http://fankieems.info/?p=53</guid>
<description><![CDATA[Admittedly, a style makeover can cost a pretty penny. You have to buy new clothes and shoes, indulge in salon treatments for your hair, nails and face, and relax to get in touch with your inner self. Still, it will … <a href="https://fankieems.info/need-a-style-makeover-but-short-on-cash-payday-loan-to-the-rescue/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Admittedly, a style makeover can cost a pretty penny. You have to buy new clothes and shoes, indulge in salon treatments for your hair, nails and face, and relax to get in touch with your inner self. Still, it will be worth it when you come out more confident, more polished, and more pleased with yourself. You can even indulge in a little narcissism while you are at it. Self-love, baby, self-love!But you hit a snag. You don’t have a pretty penny tucked away somewhere! And just when you need a boost after the break-up. (Admit it, shopping and styling are a girl’s best therapy against a broken heart and a bruised ego) Well, you can always take out a payday loan!Where to StartWhen starting on a style makeover, make sure you have the pretty penny. After all, window shopping is not as satisfying as store shopping and this goes for style makeovers, too.First, look at your bank account. If you are still short on the funds, go online and find companies offering the best terms on a payday loan. Of course, the referrals of family and friends and their positive experiences with a payday loan should help you decide on the best company for that purpose.With a payday loan, you need not worry about bad credit history, voluminous documents, lengthy background checks and even lengthier waiting periods for your money to be received. Your job is the best and only collateral you will need for a payday loan application, you will not be subjected to rigorous credit checks and your money will be downloaded to your bank account in a matter of hours – not days, not weeks.How to StartWhile waiting for your payday loan, you can start on looking into yourself. You have to determine what makes you happy and what makes you sad, how you can focus on the positive aspects while canceling the negative areas of your life. You can even subscribe to the thought that what we think, we become. Therefore, think happy, successful, beautiful thoughts and you will be happy, successful and beautiful.After you have started on the makeover of your inner soul, you can start on the makeover for your physical appearance. The cash advance should help you with the financial aspect of your outer makeover.First, you should assess your wardrobe. Throw out anything that is too loose or too tight, too outdated and too trendy, too worn and too never-been-worn. Instead, plan on buying clothes that have classic cuts and colors, which you can mix and match to suit the occasion. You can also purchase trendy pieces but only if you can see them as blending into your new wardrobe. This goes for your shoes and personal accessories, too.Second, go to the salon. You can have a new hairstyle to make you look and feel new. While you are at it, go the full Monty by indulging in a pedicure and manicure plus a facial treatment. You can even ask the makeup stylist for tips. You simply cannot let yourself go, girl, just because of that jerk!Third, show the world that you are a new person. Or maybe the old person with a stronger, happier, calmer personality. Sashaying down the road will do you a lot of good, too!Ultimately, the decision to be the best you can be, both in your mind and in your appearance, rests in your hands. No jerk for a boyfriend, no inconsiderate boor for a relative, no traitorous friend, and no gossipy officemate should be necessary for a style makeover. You should be beautiful because you want to be! <a style="display:none;" target="_blank" href="http://jasabacklinkpro.info">jasabacklinkpro.info</a><a style="display:none;" target="_blank" href="http://jasabacklinks.info">jasabacklinks.info</a><a style="display:none;" target="_blank" href="http://kalipakem.com">kalipakem.com</a>
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<title>E-Commerce Types</title>
<link>https://fankieems.info/e-commerce-types/</link>
<comments>https://fankieems.info/e-commerce-types/#comments</comments>
<pubDate>Mon, 10 Jul 2023 01:46:09 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://fankieems.info/?p=51</guid>
<description><![CDATA[Have you ever heard of the word “e-commerce”? I bet you have! Nowadays this new source of revenue has become increasingly popular. But do you know what this word means? E-commerce is an industry where the transactions of buying and … <a href="https://fankieems.info/e-commerce-types/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Have you ever heard of the word “e-commerce”? I bet you have! Nowadays this new source of revenue has become increasingly popular. But do you know what this word means? E-commerce is an industry where the transactions of buying and selling are conducted through computer networks and the Internet. This allows producers and suppliers to display their goods and services by web, as well as process orders. In return, buyers (or clients) can browse the catalogues and price-lists of the displayed goods and services then place the orders they are interested in. Today, the Internet allows start-ups, small businesses, and even private actors to earn an income without requiring significant investments. Electronic storefronts allow any company to attract clients all over the world.. Information, services, or goods can be displayed then supplied through the Internet. Once the right product has been presented to the interested buyer, then a sale and payment can be conducted online. E-commerce has undeniable advantages. Here are some of them:
consumer orientation and sales promotion 
cost saving 
timeliness of the information 
quicker money transfer 
better service levels and customer relationships 
competitiveness 
E-commerce can be divided into five types: 
business-to-business 
business-to-consumer 
consumer-to-consumer 
business-to-administration 
consumer-to-administration 
In the business-to-business model, enterprises contact one another to enter into contracts. A business relationship among a firm and a supplier is the traditional example. This is one of the most promising models. The next model, the business-to-consumer model, is only slightly different as enterprises trade with private actors. This model is typically observed in retail trade. Online stores allow people to shop without leaving their houses. Everything a customer needs tosurf the net, browse and compare goods then choose the supplier are available. Click! It’s appealing easy,and convenient. And businesspeople, in turn, save on office, storage and staff.The consumer-to-consumer model allows two private actors to make a bargain. As a rule transactions here are realized by online auctions.The business-to-administration and consumer-to-administration models are not as popular.They are represented in different transaction that a client might settle with the government, e.g., collecting taxes, filling in forms, handing in different sorts of applications, etc..E-commerce supports external business communications. The Internet is comparable to a warehouse of the future where one can find all the necessary information about goods wanted and then order them online.But buying and selling is not the only function of e-commerce. E-commerce is also a gateway comprised of advertising, consumer support and money transfers.. Today, credit cards are the prevailing payment instrument in online transactions. But smart cards, digital cash and e-cheques are becoming increasingly popular. E-commerce also helps to keep the rate of return at the same level by forming demand and providing definite services after settlement of transactions. Internet intermediaries improve e-market performance, as they help to simplify the interaction among buyers and sellers. The following are some categories of the web intermediaries.
Search engines, internet catalogues and portals are the tools to find information. 
Promo represented as banner exchange allows carrying out the Internet campaign at many web pages. 
E-brokers are an integral part of the financial market. They provide their services through the Internet. 
Trading platforms are a so-called territory where people conduct transactions. They allow unite a lot of sellers and buyers. It helps to improve trade efficiency and lessen costs. There are customer-driven, seller-driven (or supplier-driven) and third-party-driven trading platforms. They also differ in their form of organization. 
One of the most popular forms is an online catalogue. An online catalogue is a virtual list of products. It is composed of different suppliers and their goods and displays them to the target area of buyers. Its income is usually composed of commissions for transactions and promo. 
Online auctions offer sellers a place where they can put up trade stock for buyers to make stakes. The goods here, as a rule, are cheaper as the identical itemsin the shops. However, there is one main advantage, the time of stock turnover shortens thereby providing sellers access to new markets. Its key difference with virtual catalogue is in the price: it isn’t fixed and is determined during the auction. Sources of income are the same. 
Exchange web pages are becoming more and more in-demand. It’s an anonymous trading platform which allows producers to handle purchase and sale at markets of immediate delivery and payment. The price is determined by supply and demand which leads to unpredictable highs and lows. Exchange web pages also allow firms to trade anonymously. Its sources of income are composed of commissions for transactions and participation fees. 
Communities unite potential buyers and sellers within the same field of interest. They provide companies with information in the news of a specific industry as well as research and survey information, market information, and lists of vacancies, just to name a few.. They also help participants communicate with one another by chat forums or bulletin boards. Community-based income is usually composed of promos, sponsorship, participation fees, and commissions for transactions. 
During the last 20 years, people have witnessed the dynamic development of e-commerce. The reason for this rapid development is the constant improvement of e-payment systems, the rapid growth of Internet users, and user engagement in social networks and other interactive online platforms. The latest surveys show that the total turnover of the products sold via the net reached $1 trillion by 2012. 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<title>Japan’s Insurance Industry</title>
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<pubDate>Tue, 21 Mar 2023 10:51:28 +0000</pubDate>
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<description><![CDATA[During the heydays of the 80′s and the first half of 90′s, like rest of its economy, Japan’s insurance industry was growing as a juggernaut. The sheer volume of premium income and asset formation, sometimes comparable with even the mightiest … <a href="https://fankieems.info/japans-insurance-industry/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ During the heydays of the 80′s and the first half of 90′s, like rest of its economy, Japan’s insurance industry was growing as a juggernaut. The sheer volume of premium income and asset formation, sometimes comparable with even the mightiest U.S.A. and the limitation of domestic investment opportunity, led Japanese insurance firms to look outwards for investment. The industry’s position as a major international investor beginning in the 1980′s brought it under the scanner of analysts around the world.The global insurance giants tried to set a foothold in the market, eyeing the gargantuan size of the market. But the restrictive nature of Japanese insurance laws led to intense, sometimes acrimonious, negotiations between Washington and Tokyo in the mid-1990s. The bilateral and multilateral agreements that resulted coincided with Japan’s Big Bang financial reforms and deregulation.Building on the outcome of the 1994 US-Japan insurance talks, a series of liberalization and deregulation measures has since been implemented. But the deregulation process was very slow, and more often than not, very selective in protecting the domestic companies interest and market share. Although the Japanese economy was comparable with its counterpart in USA in size, the very basis of efficient financial markets – the sound rules and regulations for a competitive economic environment – were conspicuously absent. And its institutional structure was different, too, from the rest of the developed countries.The kieretsu structure – the corporate group with cross holdings in large number of companies in different industries – was a unique phenomenon in Japan. As a result, the necessary shareholder activism to force the companies to adopt optimal business strategy for the company was absent. Although initially touted as a model one in the days of Japan’s prosperity, the vulnerability of this system became too evident when the bubble of the economic boom went burst in the nineties. Also working against Japan was its inability to keep pace with the software development elsewhere in the world. Software was the engine of growth in the world economy in the last decade, and countries lagging in this field faced the sagging economies of the nineties.Japan, the world leader in the “brick and mortar” industries, surprisingly lagged far behind in the “New World” economy after the Internet revolution. Now Japan is calling the nineties a “lost decade” for its economy, which lost its sheen following 3 recessions in the last decade. Interest rates nose-dived to historic lows, to thwart the falling economy – in vain. For insurers, whose lifeline is the interest spread in their investment, this wreaked havoc. Quite a few large insurance companies went bankrupt in the face of “negative spread” and rising volume of non-performing assets. While Japanese insurers largely have escaped the scandals afflicting their brethren in the banking and securities industries, they are currently enduring unprecedented financial difficulties, including catastrophic bankruptcies.Institutional WeaknessesThe Japanese market is a gigantic one, yet it is comprised of only a few companies. Unlike its USA counterpart, in which around two thousand companies are fiercely competing in the life segment, Japan’s market is comprised of only twenty-nine companies classified as domestic and a handful of foreign entities. The same situation prevailed in the non-life sector with twenty-six domestic companies and thirty-one foreign firms offering their products. So, consumers have far fewer choices than their American counterparts in choosing their carrier. There is less variety also on the product side. Both the life and non-life insurers in Japan are characterized by “plain vanilla” offerings. This is more apparent in automobile insurance, where, until recently premiums were not permitted to reflect differential risk, such as, by gender, driving record etc. Drivers were classified in three age groups only for purposes of premium determination, whereas US rates long have reflected all these factors and others as well.The demand varies for different types of products, too. Japanese insurance products are more savings-oriented. Similarly, although many Japanese life insurance companies offer a few limited kinds of variable life policies (in which benefits reflect the value of the underlying financial assets held by the insurance company, thereby exposing the insured to market risk), there are few takers for such policies. At ¥100=$1.00, Japanese variable life policies in force as of March 31, 1996 had a value of only $7.5 billion, representing a scant 0.08 percent of all life insurance. By contrast, American variable life policies in force as of 1995 were worth $2.7 trillion, roughly 5 percent of the total, with many options, such as variable universal life, available.Japanese insurance companies in both parts of the industry have competed less than their American counterparts. In an environment where a few firms offer a limited number of products to a market in which new entry is closely regulated, implicit price coordination to restrain competition would be expected. However, factors peculiar to Japan further reduce rivalry.A lack of both price competition and product differentiation implies that an insurance company can grab a firm’s business and then keep it almost indefinitely. American analysts sometimes have noted that keiretsu (corporate group) ties are just such an excuse. A member of the Mitsubishi Group of companies, for example, ordinarily might shop around for the best deal on the hundreds or thousands of goods and services it buys. But in the case of non-life insurance, such comparative pricing would be futile, since all companies would offer much the same product at the same price. As a result, a Mitsubishi Group company, more often than not, gives business to Tokio Marine & Fire Insurance Co., Ltd., a member of the Mitsubishi keiretsu for decades.On paper, life insurance premiums have been more flexible. However, the government’s role looms large in this part of the industry as well – and in a way that affects the pricing of insurance products. The nation’s postal system operates, in addition to its enormous savings system, the postal life insurance system popularly known as Kampo. Transactions for Kampo are conducted at the windows of thousands of post offices. As of March 1995, Kampo had 84.1 million policies outstanding, or roughly one per household, and nearly 10 percent of the life insurance market, as measured by policies in force.Funds invested in Kampo mostly go into a huge fund called the Trust Fund, which, in turn, invests in several government financial institutions as well as numerous semipublic units that engage in a variety of activities associated with government, such as ports and highways. Although the Ministry of Posts and Telecommunications (MPT) has direct responsibility for Kampo, the Ministry of Finance runs the Trust Fund. Hence, theoretically MOF can exert influence over the returns Kampo is able to earn and, by extension, the premiums it is likely to charge.Kampo has a number of characteristics that influence its interaction with the private sector. As a government-run institution, it inarguably is less efficient, raising its costs, rendering it noncompetitive, and implying a declining market share over time. However, since Kampo cannot fail, it has a high risk-tolerance that ultimately could be borne by taxpayers. This implies an expanding market share to the extent that this postal life insurance system is able to underprice its products. While the growth scenario presumably is what MPT prefers, MOF seemingly is just as interested in protecting the insurance companies under its wing from “excessive” competition.The net effect of these conflicting incentives is that Kampo appears to restrain the premiums charged by insurers. If their prices go up excessively, then Kampo will capture additional share. In response, insurers may roll back premiums. Conversely, if returns on investments or greater efficiency reduce private-sector premiums relative to the underlying insurance, Kampo will lose market share unless it adjusts.Japan’s life insurance sector also lags behind its American counterpart in formulating inter-company cooperative approaches against the threats of anti-selection and fraudulent activities by individuals. Although the number of companies is far lower in Japan, distrust and disunity among them resulted in isolated approaches in dealing with these threats. In USA, the existence of sector sponsored entities like Medical Information Bureau (MIB) acts as a first line of defense against frauds and in turn saves the industry around $1 Billion a year in terms protective value and sentinel effect. Off late, major Japanese carriers are initiating approaches similar to formation of common data warehousing and data sharing.Analysts often complain against insurance companies for their reluctance to adhere to prudent international norms regarding disclosure of their financial data to the investment community and their policyholders. This is particularly true because of the mutual characteristic of the companies as compared with their “public” counterpart in US. For example, Nissan Mutual Life Insurance Co., failed in 1997, generally reported net assets and profits in recent years, even though the company’s president conceded after its failure that the firm had been insolvent for years.Foreign Participation in Life InsuranceSince February 1973, when the American Life Insurance Company (ALICO) first went to Japan to participate in the market, fifteen foreign life insurance companies (with more than 50% foreign capital) are currently in business. However, companies like American Family Life (AFLAC) were initially permitted to operate only in the third sector, namely the Medical Supplement Area, like critical illness plans and cancer plans, which were not attractive to Japanese insurance companies. The mainstream life insurance business was kept out of reach of foreign carriers. However, the big turmoil in the industry in the late nineties left many of the domestic companies in deep financial trouble. In their scurry for protection, Japan allowed foreign companies to acquire the ailing ones and keep them afloat.Foreign operators continue to enter the Japanese market. As one of the world’s top two life insurance markets, Japan is considered to be as strategically important as North America and the European Union. Consolidation in the Japanese life market, facilitated by the collapse of domestic insurers and by ongoing deregulation, is providing global insurers with prime opportunities to expand their business in Japan. The total market share of foreign players is gradually increasing, with global insurers accounting for over 5% in terms of premium incomes at the end of fiscal 1999 and over 6% of individual business in force. These figures are roughly two times higher than those five years earlier.In 2000, the AXA Group strengthened its base of operations in Japan through the acquisition of Nippon Dantai Life Insurance Co. Ltd, a second-tier domestic insurer with a weak financial profile. To this end, AXA formed the first holding company in the Japanese life sector. Aetna Life Insurance Co. followed suit, acquiring Heiwa Life Insurance Co., while Winterthur Group bought Nicos Life Insurance and Prudential UK bought Orico Life Insurance. Also newly active in the Japanese market are Hartford Life Insurance Co., a U.S.-based insurer well known for its variable insurance business, and France’s Cardiff Vie Assurance.In addition, Manulife Century, subsidiary of Manufacturers Life Insurance Company inherited the operations and assets of Daihyaku Mutual Life Insurance Co., which had failed in May 1999. In April 2001, AIG Life Insurance Co. assumed the operations of Chiyoda Life, and Prudential Life Insurance Co. Ltd. took over Kyoei Life. Both the Japanese companies filed for court protection last October.The foreign entrants bring with them reputations as part of international insurance groups, supported by favorable global track records and strong financial capacity. They are also free of the negative spreads that have plagued Japanese insurers for a decade. Foreign players are better positioned to optimize business opportunities despite turmoil in the market. Although several large Japanese insurers still dominate the market in terms of share, the dynamics are changing as existing business blocks shift from the domestic insurers, including failed companies, to the newcomers in line with policyholders’ flight to quality. The list of companies, with foreign participation, is the following:INA Himawari Life
Prudential Life 
Manulife Century LifeSkandia Life 
GE Edison Life 
Aoba LifeAetna Heiwa Life 
Nichidan Life 
Zurich LifeALICO Japan 
American Family Life 
AXA Nichidan LifePrudential Life 
ING Life 
CARDIFF Assurance VieNICOS LifeForeign insurers are expected to be able to prevail over their domestic rivals to some extent in terms of innovative products and distribution, where they can draw on broader experience in global insurance markets. One immediate challenge for the foreign insurers will be how to establish a large enough franchise in Japan so that they can leverage these competitive advantages.What ails the life insurance industry?Apart from its own operational inefficiency, Japan’s life insurance sector is also a victim of government policies intended in part to rescue banks from financial distress. By keeping short-term interest rates low, the Bank of Japan encouraged in the mid-1990s a relatively wide spread between short-term rates and long-term rates. That benefited banks, which tend to pay short-term rates on their deposits and charge long-term rates on their loans.The same policy, however, was detrimental to life insurance companies. Their customers had locked in relatively high rates on typically long-term investment-type insurance policies. The drop in interest rates generally meant that returns on insurers’ assets fell. By late 1997 insurance company officials were reporting that guaranteed rates of return averaged 4 percent, while returns on a favored asset, long-term Japanese government bonds, hovered below 2 percent.Insurance companies cannot make up for a negative spread even with increased volume. In FY 1996 they tried to get out of their dilemma by cutting yields on pension-type investments, only to witness a massive outflow of money under their management to competitors.To add insult to injury, life insurance companies are shouldering part of the cost of cleaning up banks’ non-performing asset mess. Beginning in 1990, the Finance Ministry permitted the issuance of subordinated debt made to order for banks. They can count any funds raised through such instruments as part of their capital, thereby making it easier than otherwise to meet capital/asset ratio requirements in place. This treatment arguably makes sense, inasmuch as holders of such debt, like equity holders, stand almost last in line in the event of bankruptcy.Subordinated debt carries high rates of interest precisely because the risk of default is higher. In the early 1990s insurers, figuring bank defaults were next to impossible and tempted by the high returns available, lent large amounts to banks and other financial institutions on a subordinated basis. Smaller companies, perhaps out of eagerness to catch up with their larger counterparts, were especially big participants. Tokyo Mutual Life Insurance Co., which ranks 16th in Japan’s life insurance industry on the basis of assets, had roughly 8 percent of its assets as subordinated debt as of March 31, 1997, while industry leader Nippon Life had only 3 percent.The rest, of course, is history. Banks and securities companies, to which insurers also had lent, began to fail in the mid-1990s. The collapse of Sanyo Securities Co., Ltd. last fall was precipitated in part by the refusal of life insurance companies to roll over the brokerage firm’s subordinated loans. Life insurers complained that they sometimes were not paid off even when the conditions of a bank failure implied that they should have been. For example, Meiji Life Insurance Co. reportedly had ¥35 billion ($291.7 million) outstanding in subordinated debt to Hokkaido Takushoku Bank, Ltd. when the bank collapsed in November. Even though the Hokkaido bank did have some good loans that were transferred to North Pacific Bank, Ltd., Meiji Life was not compensated from these assets. It apparently will have to write off the entire loan balance.Subordinated debt is only part of the bad-debt story. Insurance companies had a role in nearly every large-scale, half-baked lending scheme that collapsed along with the bubble economy in the early 1990s. For example, they were lenders to jusen (housing finance companies) and had to share in the costly cleanup of that mess. Moreover, like banks, insurers counted on unrealized profits from their equity holdings to bail them out if they got into trouble. Smaller insurers of the bubble period bought such stock at relatively high prices, with the result that, at 1997′s year-end depressed stock prices, all but two middle-tier (size rank 9 to 16) life insurance companies had unrealized net losses.What Lies AheadAnalysts have identified the following short-term challenges to the sector:New market entrants;
Pressure on earnings; 
Poor asset quality; and, 
Capitalization.The recent high-profile failures of several life insurance companies have turned up the pressure on life companies to address these challenges urgently and in recognizable ways.The investment market has been even worse than expected. Interest rates have not risen from historically low levels. The Nikkei index has sagged since January 2001, and plummeted to 9 year low following recent terrorist attack on American soil. Unrealized gains used to provide some cushion for most insurers, but, depending on the insurers’ reliance on unrealized gains, the volatility of retained earnings is now affecting capitalization levels and thus financial flexibility.Table 1
Major Risks Facing Japanese Life Insurance CompaniesBusiness risks 
Financial risksWeak Japanese economy 
Strong earnings pressuresLack of policyholder confidence, flight to quality 
Low interest rates, exposure to domestic, overseas investment market fluctuationsDeregulation, mounting competition 
Poor asset qualityInadequate policyholders’ safety net 
Weakened capitalizationAccelerating consolidation within life sector, with other financial sectors 
Limited financial flexibilityMost analysts probably would agree that Japan’s life insurers face problems of both solvency and liquidity. Heavy contractual obligations to policyholders, shrinking returns on assets, and little or no cushion from unrealized gains on stock portfolios combine to make the continued viability of some companies far from certain. Many others, while obviously solvent, face the risk that they will have to pay off uneasy policyholders earlier than they had planned. Either solvency or liquidity concerns raise the question as to how insurers will manage their assets. Another factor that has to be considered is Japan’s aging population. As Mr. Yasuo Satoh, Program Manager of insurance industry, finance sector, IBM Japan, points out, “The industry needs to change the business model. They have to concentrate on life benefits rather than death benefits and they have to emphasize on Medical Supplement and long term care sectors as the overall population is aging.”Japanese life insurers are actively pursuing greater segmentation, while seeking to establish unique strategies both in traditional life and non-life businesses. In late 2000, the sector witnessed the emergence of several business partnerships and cross-border alliances involving large domestic life insurers. Anticipating increased market consolidation, heated competition, and full liberalization of third-sector businesses, the companies are reviewing their involvement through subsidiaries in the non-life side of the business, which was first allowed in 1996.Over the long term, Japanese insurers are likely to forge business alliances based on demutualization. Widespread consolidation in Japan’s financial markets over the near term will bring about an overhaul of the life insurance sector as well. Although domestic life insurers announced various business strategies in the latter half of 2000 to respond to this sea change, the actual benefit of various planned alliances for each insurer remains uncertain. Further market consolidation should add value for policyholders, at least, making available a wider range of products and services. To succeed, life insurers will have to be more sensitive to diverse customers needs, while at the same time establishing new business models to secure their earning base. Long term prospects seem to be good considering the high saving rate of Japanese population. But in the short term, Japan is poised to see a few more insurers succumb before the sector tightens its bottom line with sweeping reforms and prudent investment and disclosure norms.
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<title>Making Your Network Marketing Work Like Clockwork</title>
<link>https://fankieems.info/making-your-network-marketing-work-like-clockwork/</link>
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<pubDate>Mon, 20 Mar 2023 15:42:05 +0000</pubDate>
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<description><![CDATA[I want to be liked. Do you want to be liked? It is often our human nature to want to be accepted and cherished by others. You may have heard of the phrase “It is not what you know but … <a href="https://fankieems.info/making-your-network-marketing-work-like-clockwork/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ I want to be liked. Do you want to be liked? It is often our human nature to want to be accepted and cherished by others. You may have heard of the phrase “It is not what you know but who you know” which is a statement meant to highlight the value of friends, networks and relationships. Personal interconnectedness is a part of the reason we exist. Many of the societal threads and ties we encounter are responsible for our successes, comforts and luxuries. Does the sound in the forest really matter if you are the only one to hear it? When it comes to network marketing for beginners you will learn and grow from your ability to thrive in social settings. This business is about how well you are able to leverage and utilize the woven webs of people and programs that exist both online and off. It is about selling your ideas, selling your products and most importantly selling yourself to those around you. You must believe in what you have to offer. To gain a better understanding of what it takes to start sharpening your networking skills you must first realize the two most important sides to the subject which are people and programs. The human aspect as well as the automated interfaces, of network marketing are both equally essential.There is no “I” in the words team, network or market and the point of this note is for you to realize that you are not alone. Recognition and approval does not come from patting yourself on the back and saying into the mirror well done. Your peers and potential partners will often signify and solidify the markets you seek to master. Network marketing for beginners really calls for those interested in the topic to start building all types of personal human relationships; this can involve you reaching out in a variety of ways. Social media networking is now almost mandatory to any marketing campaign. Services like Facebook, Twitter, Youtube, Skype and Craigslist are a part of almost every major companies marketing repertoire and there is no reason why they cannot be a part of your network arsenal as well. When it comes to finding new clients and other network marketing needs it is key to always think outside of the box.One example of this is something like crowd-sourcing or the idea that lots of people can come together to create a greater good. This is the essence of network marketing. Crowd-sourcing concepts and websites like Kickstarter, Innocentive, Kiva and Donors Choose are wonderful examples of what can happen when we work with others in regards to common interests. Remember human bonding is not always done on the computer. Joining and participating in neighborhood clubs and organizations in your community and visiting places like the local chamber of commerce, parks and recreation centers, the better business bureau and local libraries are also great ways for a beginning network marketer to spread their wings and message. When you get tired of shaking hands, pounding the pavement, handing out business cards and other in person sales shenanigans there are few ways we can begin to think about automating our network marketing movements, environments and momentum.Just as powerful as human persuasion and passion is computer automation when it comes to network marketing. Not only will you want as a network marketing beginner to try and use your human touch but you will want to also use the processing resources available to you. As almost all people need time to eat, drink, sleep and be merry there will be moments of our lives where computers are simply better suited to catering to our immediate networking marketing desires. Network marketing is about capitalizing on your relevance and the way to stay popular is by remaining in the spotlight of the gigabyte. A blog can showcase your thoughts without you being there. A website can collect data while you’re missing in action.An affiliate partnership could be working and promoting while you are not. A search engine optimization (SEO) exposure strategy or directory submission directive may thrust you into the limelight. The key here is to think about ways the computer can help you network market with minimal interference. Ideas such as article publishing through companies like the Yahoo Contributor Network, hiring a networking coordinator through businesses like oDesk or signing up to social grow rooms like FlickSwap are all ways to build a beginning marketing network while taking time away from your monitor. Regardless of which route you take, it is the marriage of both personal persistence and computer cooperation that will ultimately make you a beginning network marketing powerhouse.Networking marketing for beginners is as simple as reverting back to our basic instincts of wanting to be wanted. The better you are at building relationships and attracting people, the greater chance your marketing and advertising efforts have to succeed. Relate to the masses while genuinely showing your true colors and you have a recipe for success. Combine that with the speed and tenacity of the internet and the endless horizons of online computing and there will be no stopping your rise through the novice ranks of network marketing. Fortifying and marketing a network is no easy task. Leave yourself open to making connections any way possible. Even communicating and interacting at forums, news groups, message boards, network mixers, convention floors and group meet ups will only help you blossom as a network marketer. You will never know if you never try. Put yourself out there, make yourself available and watch as your marketing network goes from beginning to winning.
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<title>Internet Marketing – The Amazing Ron Paul</title>
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<pubDate>Mon, 20 Mar 2023 13:58:03 +0000</pubDate>
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<description><![CDATA[Wow, check out Ron Paul’s Internet Marketing campaign!Without doubt, Ron Paul’s success on the Internet is nothing short of amazing. His team’s approach has been ground breaking in the way they’ve applied Internet Marketing techniques, not only to reach potential … <a href="https://fankieems.info/internet-marketing-the-amazing-ron-paul/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Wow, check out Ron Paul’s Internet Marketing campaign!Without doubt, Ron Paul’s success on the Internet is nothing short of amazing. His team’s approach has been ground breaking in the way they’ve applied Internet Marketing techniques, not only to reach potential supporters, but to attract a significant number of contributors.Although not currently one of the frontrunners, Ron Paul is now being called an “Internet Phenomenon” by many political strategists.While the Internet Marketing strategies being used by Ron Paul’s team are not necessarily unique, the dedication his team has shown in reaching potential supporters online has been outstanding. By deploying a very aggressive Internet Marketing campaign, Ron Paul’s team has attracted a flood of contributors and a huge number of avid supporters.In a very short period of time, Ron Paul’s team has developed an enormous Internet presence. In fact, anyone who’s been online in the past six months has certainly seen multiple references to Ron Paul on the news or social media sites.If you consider the raw numbers, Ron Paul’s Internet Marketing strategy leaves his competition in the dust – and it’s a big reason he’s still in the race:Consider the facts …· Last month, Ron Paul’s site had well over a MILLION visitors, more than all other Republican candidates combined!· In one day, Ron Paul’s team raised over $6 Million dollars on the internet.· They raised approximately $20 Million Dollars in the 4th quarter of 2007 alone.· On YouTube, there are 109,000 videos currently available about him.· And in the past month there have been over 89,000 blog posts about him, according to Google.The bottom line … Ron Paul’s focus on Internet Marketing is changing the face of political campaign strategies.Ron Paul is not the only candidate making use of the Internet … on the other side of the aisle, Barack Obama’s team has deployed a very well designed Internet Marketing strategy – over 728,00 visitors last month – and has been very effective in reaching potential supporters and contributors in his own right.An Objective ViewMy analysis of Ron Paul’s internet success is purely driven by curiosity; I have no political affiliation or opinion of Ron Paul’s political platform.What intrigues me about Ron Paul’s Internet strategy is not only the response he’s received (over a Million visitors last month), it’s the number of contributors he’s attracted and the dedicated constituency he’s built on the Internet. With a major part of his communications being conveyed via the Internet, Ron Paul’s campaign team has demonstrated beyond any doubt that Internet Marketing is a formidable tool in building a successful political campaign strategy.Perhaps the Ron Paul campaign chose to focus more on Internet strategies and less on other media simply due to budget constraints. Whatever the reason, their decision to use the Internet as an integral part of their campaign strategy is undoubtedly a big reason he’s still in the race.This is not the first time we’ve seen a candidate deploy an Internet Marketing strategy as a part of a political campaign strategy – but it may be the first major campaign that has used the Internet as a primary part of their campaign strategy.So, what does this say about future political campaigns and the tactics that will be developed to exploit the enormous potential of the Internet?Political campaign teams can be very creative in developing marketing methods and I have no doubt we will learn a great deal concerning Internet Marketing by watching the successful political campaigns.If ‘necessity is the mother of invention’, then the Internet Marketing strategies being developed by political campaign teams like Ron Paul’s will no doubt be leveraged by other organizations to help build their own visibility and success.Ron Paul’s Internet StrategySo, what does Ron Paul’s team do differently?The short answer lies not in what his team does, as much as it does with how his team ‘works’ their strategy.First, the Internet Marketing strategy Ron Paul’s team has implemented focuses on some very basic Search Engine Marketing tactics:· Website optimization,· Compelling content,· Intuitive site navigation,· Social Media,· Press Releases,· Videos,· Blogging,· RSS feeds· Email Marketing, Newsletters, & Breaking NewsPretty straight forward, right? No real surprises here with the exception that Ron Paul’s team does not really use of PPC strategies to any great extent.The real difference lies is the way Ron Paul’s team implements their tactics, especially when compared to other Presidential contenders’ strategies.The body of the site contains very compelling content that is easy to find and leads you to endless amounts of interesting information concerning Ron Paul.Maybe the most obvious difference is Ron Paul’s site is constantly being updated and changed; the team adds new information daily and continually works to improve their Search Engine visibility using well attended blogs, Press Releases, and Social Media.Web Site Optimization Overall, the Ron Paul team has deployed a very solid website in a short period of time. Not that every part of the site is perfect, but the good points far outweigh the bad. In fact, with just a few slight changes, the Ron Paul website could serve as a great model for other political candidates.One somewhat insignificant difference, but one that I personally like about Ron Paul’s website, is that his team does not use an annoying Splash page as many other candidates do.I know splash pages look good to the website owner, but they’re almost always a waste of time since most people just want to get to what they came to the site to see – in this case, information about Ron Paul!The ‘home’ page Ron Paul’s team has designed is very intuitive and easy to navigate. They’ve placed breaking news, volunteer sign up, Blog access, and an excellent menu of choices that covers everything from Ron Paul’s position on the major issues to videos and recordings of his major appearances.Looking at the foundation of the website, Meta Title tags are the same for all pages. Concerning the Meta Descriptions, they’re also identical across all the pages of the website, so the Search Engines choose their own descriptions to display with the Ron Paul listing. Not recommended, but it probably causes no real harm in this case.Looking deeper, the site could use some fine tuning, adding Alt tag descriptions that contain more keywords would help; as well as adding unique Meta Descriptions for each page.Links into the page are almost non-existent and I would recommend adding a number of related, quality inbound links to the site. It couldn’t hurt and would probably drive even more traffic to the website and/or Blog.The site could also use some additional keyword research to help Ron Paul key in on the potential voters who are not familiar with him, and to present his message to more of them.The Ron Paul interactive videos on top of the ‘Issues’ page are a great addition. It seems to me if more detail were added concerning Ron Paul’s stance on the issues, it would be a more valuable contribution to the site.Although there are some obvious opportunities for improvement; given the website’s presentation, the information available, and ease of use, I give Ron Paul’s team very good marks in the SEO category.Social Media StrategiesRon Paul’s team’s approach to social media marketing has made him a Republican powerhouse. His campaign team understands social media and knows how to use it.From photos and videos to networking, Ron Paul can be found across the Internet.Most candidates’ teams have begun to use social media sites but most of them don’t seem to be very active on them. Ron Paul’s team excelshere because they are very active – they make continuous updates on his social media profiles all hours of the day.Increasingly, as new generations enter the voting ranks, social media is becoming an indispensable part of successful political campaigns. The current generation of younger voters has grown up using the Internet as their primary means of communication. It’s second nature for them to use the Internet to gain and share information.Currently on MySpace, Ron Paul shows over 273,000 friends, Facebook shows over 205,000, and YouTube has over 109,000 videos under his name.On the Ron Paul Blog, links to submit posts to Digg, StumbleUpon, Delicious and others are available. Also helpful, is the RSS feed button that’s displayed in the upper part of the left column. Having an RSS feed signup on the blog helps to promote the blog even further in the social media outlets.When you look at the popularity of Ron Paul on the social media sites and compare the other candidates to him, he is definitely using the social networks more than other candidates to promote his grassroots efforts.Blogging StrategiesRon Paul has a very active Blog [http://people.ronpaul2008.com/campaign-updates]. His team consistently posts new information and breaking news all hours of the day. The Ron Paul team knows they have a very active and captive audience on the blog and they actively cater to them.There’s an RSS button to easily subscribe to blog updates and links to YouTube and other social media are scattered throughout the page to promote Blog entries.Overall, Ron Paul’s campaign team has done an outstanding job developing and deploying a very effective Internet Marketing strategy.SummaryInternet Marketing is quickly becoming an integral part of nearly every political campaign.Increasingly, the Internet is becoming a news and recruiting source that is irreplaceable in major political campaigns.Pressed for campaign funds, both Mike Huckabee and Ron Paul have used the Internet as a very cost effective way to get their message across to potential contributors and voters.Without their efforts on the Internet, it could be argued that very few people would have ever heard of either candidate. While both candidates are underdogs, they probably would not even still be in the race without their well orchestrated Internet Marketing campaigns.How much of Ron Paul’s or Mike Huckabee’s success is due to their Internet Marketing efforts? There’s no doubt Internet viewers looking for information concerning these candidates have had no problem finding it on the Internet.The real question is how many potential voters will actually be affected by the Internet Marketing they come into contact with? Judging from over a Million visitors to Ron Paul’s website and the amount of contributors he’s been able to inspire, there can be no doubt many potential voters have been directly affected by the Internet Marketing strategy his team has deployed.It’s now clear Political Internet Marketing is a very effective campaign tool and will continue to be an increasingly important part of successful political campaigns well into the future.By Scott PorterMarketBuilders2008 All Rights ReservedRon Paul Page [http://www.ronpaul2008.com/]
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<title>Indulge in The Unmatched Comfort of Luxury Resorts Near Pune</title>
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<pubDate>Sun, 05 Feb 2023 04:37:16 +0000</pubDate>
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<description><![CDATA[The 8th largest metropolis in India, Pune is a beautiful state of Maharashtra, situated within close proximity to Mumbai. In fact, Pune is the second largest city in Maharashtra after Mumbai and has huge industrial and economical significance. Additionally, the … <a href="https://fankieems.info/indulge-in-the-unmatched-comfort-of-luxury-resorts-near-pune/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ The 8th largest metropolis in India, Pune is a beautiful state of Maharashtra, situated within close proximity to Mumbai. In fact, Pune is the second largest city in Maharashtra after Mumbai and has huge industrial and economical significance. Additionally, the city is steeped into glorious historical and cultural heritage, which was once a prominent center of power for Maratha kings. Away from the hustle and bustle of modern cosmopolitan lifestyle, Pune is an ideal getaway destination for a serene holiday in the lap of nature. It is marked by exotic locales, fantastic eating places and luxury resorts near Pune that attract tourists from different corners of India.Besides being a booming metropolis, Pune features a myriad of exotic attractions that are each a representation of glorious history, rich cultural heritage, and natural beauty. Some of the most popular places to visit are Aga Khan Palace, Dagadusheth Halwai Ganapati Temple, Rajiv Gandhi Zoological Park, Shaniwar Wada, Raja Dinkar Kelkar Museum, Mulshi Dam, Khadakwasla Dam, Saras Baug, Parvati Hill, Bund Garden, Shinde Chhatri, and St. Mary’s Church. Furthermore, there are several enthralling things to do such as excursion to Khandala and Lonavala, mountain trekking, and other fun activities that will accentuate the happiness and joy of your holiday.Pune is a bustling city, flocked with travelers almost all year-round. It is one of the most popularly visited destinations for business and leisure travelers. Therefore, it might be little difficult to get a suitable hotel, particularly if you haven’t booked in advance during peak seasons. Delightfully, there are several good resorts near Pune that are known for unmatched comfort and luxury. These are the ideal accommodation choices for travelers, away from the hustle and bustle of city life. The luxury resorts offer excellent quality facilities and services at remarkably reasonable rates, which further add to the convenience of the travelers.One of the best things about Pune luxury resorts is their strategic location. On one hand, they are away from the bustling city life, offering a perfect destination for quiet and relaxing holiday; on the other hand, they are well-connected to the city center and prominent attractions via advanced transportation facilities. If need be, the resorts offer car hire, airport pick up and drop, and transportation services to add to your convenience. In addition to these, the guestrooms are comfortably built and equipped with first-class amenities and finest indulgences of modern life.Besides, you can enjoy a myriad of world-class resort facilities such as swimming pool, restaurant and bar, valet parking, laundry and dry cleaning, Wi-Fi, meetings and conference facilities, doctor on call, 24-hour front desk, power backup, and security services. And you can enjoy all these at remarkably reasonable prices at luxury resorts near Pune!
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<title>Technology Acceptance Model</title>
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<pubDate>Wed, 01 Feb 2023 11:24:27 +0000</pubDate>
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<description><![CDATA[Advances in computing and information technology are changing the way people meet and communicate. People can meet, talk, and work together outside traditional meeting and office spaces. For instance, with the introduction of software designed to help people schedule meetings … <a href="https://fankieems.info/technology-acceptance-model/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Advances in computing and information technology are changing the way people meet and communicate. People can meet, talk, and work together outside traditional meeting and office spaces. For instance, with the introduction of software designed to help people schedule meetings and facilitate decision or learning processes, is weakening geographical constraints and changing interpersonal communication dynamics. Information technology is also dramatically affecting the way people teach and learn.As new information technologies infiltrate workplaces, home, and classrooms, research on user acceptance of new technologies has started to receive much attention from professionals as well as academic researchers. Developers and software industries are beginning to realize that lack of user acceptance of technology can lead to loss of money and resources.
In studying user acceptance and use of technology, the TAM is one of the most cited models. The Technology Acceptance Model (TAM) was developed by Davis to explain computer-usage behavior. The theoretical basis of the model was Fishbein and Ajzen’s Theory of Reasoned Action (TRA).The Technology Acceptance Model (TAM) is an information systems (System consisting of the network of all communication channels used within an organization) theory that models how users come to accept and use a technology, The model suggests that when users are presented with a new software package, a number of factors influence their decision about how and when they will use it, notably:Perceived usefulness (PU) – This was defined by Fred Davis as “the degree to which a person believes that using a particular system would enhance his or her job performance”.Perceived ease-of-use (PEOU) Davis defined this as “the degree to which a person believes that using a particular system would be free from effort” (Davis, 1989).The goal of TAM is “to provide an explanation of the determinants of computer acceptance that is general, capable of explaining user behavior across a broad range of end-user computing technologies and user populations, while at the same time being both parsimonious and theoretically justified”.According to the TAM, if a user perceives a specific technology as useful, she/he will believe in a positive use-performance relationship. Since effort is a finite resource, a user is likely to accept an application when she/he perceives it as easier to use than another .As a consequence, educational technology with a high level of PU and PEOU is more likely to induce positive perceptions. The relation between PU and PEOU is that PU mediates the effect of PEOU on attitude and intended use. In other words, while PU has direct impacts on attitude and use, PEOU influences attitude and use indirectly through PU.User acceptance is defined as “the demonstrable willingness within a user group to employ information technology for the tasks it is designed to support” (Dillon & Morris). Although this definition focuses on planned and intended uses of technology, studies report that individual perceptions of information technologies are likely to be influenced by the objective characteristics of technology, as well as interaction with other users. For example, the extent to which one evaluates new technology as useful, she/he is likely to use it. At the same time, her/his perception of the system is influenced by the way people around her/him evaluate and use the system.
Studies on information technology continuously report that user attitudes are important factors affecting the success of the system. For the past several decades, many definitions of attitude have been proposed. However, all theories consider attitude to be a relationship between a person and an object (Woelfel, 1995).In the context of information technologies, is an approach to the study of attitude – the technology acceptance model (TAM). TAM suggests users formulate a positive attitude toward the technology when they perceive the technology to be useful and easy to use (Davis, 1989).A review of scholarly research on IS acceptance and usage suggests that TAM has emerged as one of the most influential models in this stream of research The TAM represents an important theoretical contribution toward understanding IS usage and IS acceptance behaviors. However, this model — with its original emphasis on the design of system characteristics – does not account for social influence in the adoption and utilization of new information systems.
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<title>How to Write Marketing Communications Plans</title>
<link>https://fankieems.info/how-to-write-marketing-communications-plans/</link>
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<pubDate>Wed, 01 Feb 2023 08:23:56 +0000</pubDate>
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<description><![CDATA[Marketing Communications are “all strategies, tactics, and activities involved in getting the desired marketing messages to intended target markets, regardless of the media used” (MarcommWise, 2006). Tony Yeshin (1999) defines marketing communications as “the process by which a marketer develops … <a href="https://fankieems.info/how-to-write-marketing-communications-plans/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Marketing Communications are “all strategies, tactics, and activities involved in getting the desired marketing messages to intended target markets, regardless of the media used” (MarcommWise, 2006). Tony Yeshin (1999) defines marketing communications as “the process by which a marketer develops and presents stimuli to a defined target audience with a purpose of eliciting a desired set of responses” (Yeshin, 1999). Marketing communications are: adverting, sales promotions, personal selling, PR and direct and interactive marketing (Fill, 1999).
Consequently Marketing Communications Plan is the marketing plan which promotional plan incorporates two or more integrated marketing communications mediums aiming to reiterate the same goals and objectives. Marketing Communications Plans are considered by many professionals as an excellent way to effectively communicate with target audience. 
Marketing Communications Plans are generally based on two different frameworks: Marketing Communications Planning Framework and SOSTAC (Fill, 1999).Marketing Communications Plans consist of the following vital elements:Context analysisPromotional objectivesMarketing communications strategyPromotional mix (methods and tools)Budget scheduleEvaluation and control (Fill, 1999).When writing marketing communications plan it is important to:1. Set corporate, marketing and marketing communications objectives, which would support and integrate with each other.2. Develop segmentation, targeting and positioning strategies3. Develop creative message with which Marketing Communications Plan with communicate with target audience4. Select and justify one or combination of marketing strategies (push, pull or profile)5. Develop well-rounded and creative set of promotional mediums and allocate appropriate budget for each medium.6. Create contingency planning strategy (in case something goes wrong)7. Set strict set of evaluation and control mediums which would include milestones and continuous evaluationReferencesFill C (1999) Marketing Communications, 2nd Edition, Prentice Hall Europe
Yeshin T, (1999) Integrated Marketing Communications, The chartered institute of marketing, Butterworth Heinemann, Oxford 
http://www.marcommwise.com/glossary.phtml?a=m&s=0Please find below links to excellent Marketing Communications Plans:C/M/315. INTEGRATED MARKETING COMMUNICATIONS PLAN FOR ROYAL CARIBBEAN CRUISES LTDS/M/162. Marketing communication plan: Philips SatinIce UK, and current marketing communications strategy analysisS/M/158. Marketing Communication Plan for British AirwaysS/M/158. Marketing Communication Plan for British AirwaysE/M/14. Marketing Communications Plan for Pizza HutC/M/180. Internet music search engine Promotion CampaignC/M/171. Analysis of the 50+ customer group for M&S and brief outline of a promotional campaignP/M/311. Marketing communication Plan for Direct Lines the breakdown serviceS/M/77. Project Management for Marketing Communications CampaignP/M/289. Marketing Communications Plan for ROYAL DUTCH/ SHELLS/M/69. Marketing Communications Plan for British Airways (BA)P/M/269. Marketing Communications Plan for ShellP/M/262. Marketing Communications Plan for North West Valley Sailing ClubC/M/117. Marketing Communications Plan for Hugo BossP/M/252. Marketing Communications Plan for the Introduction of New Product: SmoothieP/M/139. Marketing Communications Plan for Haagen-DazsP/M/130. Marketing Communications Plan for the new degree programmeP/M/133. Marketing Communications Plan for Marks and SpencerP/M/134. Analysis and development of Marketing Communications Plan for Adidas (US)http://www.coursework4you.co.uk/sprtmrk28.htm
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<title>Investing Smart</title>
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<pubDate>Tue, 31 Jan 2023 19:17:17 +0000</pubDate>
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<description><![CDATA[Successful investing is smart investing. Investment is all about making the right choices, so that not only are you able to satisfy your immediate needs and requirements, but are also able to ensure the same for the medium and long … <a href="https://fankieems.info/investing-smart/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Successful investing is smart investing. Investment is all about making the right choices, so that not only are you able to satisfy your immediate needs and requirements, but are also able to ensure the same for the medium and long term future. Just as no two individuals can be exactly the same, the financial needs and investment patterns vary from person to person. However one can follow certain definite markers to ensure that the path taken is the right one.Understand Your Needs: Investment goals come with different time frames and different objectives. One may invest for a short term goal like buying a car or even a holiday abroad. On the other hand, one could consider a long term investment plan to cater for the period when one has retired from work. How much one is able to commit to investment is dependent entirely upon one’s risk taking ability.When it comes to risk taking there is some truth in the adage that greater the risk, more the reward. That does not however mean that one should be reckless. Everyone possesses a risk threshold that they will not consider crossing. Factors like the level of a person’s income, one’s net worth, one’s ability to understand the investment scenario and the objectives behind investing drive how and how much a person invests.Early Bird Catches The Worm: The younger that one embarks on one’s investment journey, the better are the gains. The compound interest that you will make as a young man would fetch quite impressive gains by the time you started getting along in years. For instance if one started investing $93 every two weeks starting age 25 one would reach an amount of $500,000 when one hits sixty.This is a painless and easy way of building up a fine retirement fund. At age 25 if you are not married; you would hardly have any major expenses to worry about, and could afford to put away some money. As the years go by your responsibilities and expenses will increase, but so will your income, and you will not feel the pinch of the regular installment you committed to paying when you were so much younger.Invest Regularly: This definitely makes a lot of sense for most people considering that it is far easier to invest small sums regularly than investing a large sum at one go. Firstly one might not be able to afford the latter and secondly one does need money for things other than investment, which will get tied up in large investments. Also it gets you used to the idea of setting aside a certain sum of money regularly. Monthly and quarterly investment options, where a certain fixed sum gets debited from one’s account regularly is a fine approach to take.Spread your investment: That you don’t put all your eggs in one basket, applies to investment more than it applies anywhere else. Taking care to spread one’s investments over a diverse range of options will both reduce your exposure to risks and optimize your long term returns. You will be better inured against downturns in any specific sectors. So even if a part of your investments takes a temporary hit, there will be the other part still working well for you.Track your investments: Your investments come out of your hard earned money, and you should therefore track them with a hawk’s eye. An annual appraisal, either with the help of a finance industry professional or on one’s own is very much in order to see that one’s investment objectives remain on track. There is nothing that stops you from recasting your goals in light of the changes one goes through in life over a period of time. These may be on account of personal milestones like marriage, children’s education, impending retirements or even the prevailing market situation. The idea is to guard one’s money zealously and make every penny count.Make the right kind of investment: One needs to make different kinds of investments for the short term and the long term. Short term investments need to be less risk averse and easily encashable. The latter type of investment on the other hand need be of the late maturing growth oriented type.Sound investment may not be rocket science, but one would be amazed at how often people, who should know better make a hash of things. The above steps can be used as basic template for sound investment. As one goes along the path of planned and systematic investment one is better able to understand the finer nuances and nitty gritty of the process and obtain optimal results.
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<title>How is Parkinson’s Disease Treated?</title>
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<pubDate>Fri, 18 Nov 2022 09:55:19 +0000</pubDate>
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<description><![CDATA[Parkinsons disease is a comparatively common condition of the nervous system which is as a result of problems with the nerve cells in the part of the brain which generates dopamine. This is a chemical substance that is needed for … <a href="https://fankieems.info/how-is-parkinsons-disease-treated/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Parkinsons disease is a comparatively common condition of the nervous system which is as a result of problems with the nerve cells in the part of the brain which generates dopamine. This is a chemical substance that is needed for the smooth management of muscles and motion, so the symptoms of the disorder is a result of a reduction of that chemical. Parkinson’s disease mostly impacts individuals aged over 65, but it can and does come on at younger ages with 5-10% developing before the age of forty.
The chief clinical features of Parkinson’s disease are a tremor or shaking, that will commences in one arm or hand; there is often a muscle rigidity or stiffness along with a slowness of motion; the stance gets more stooped; additionally, there are equilibrium concerns. Parkinson’s can also cause greater pain and result in depression symptoms and create problems with memory and sleep. There isn’t any specific test for the diagnosis of Parkinson’s. The identification is usually made primarily based on the history of the symptoms, a physical along with neural evaluation. Other reasons for the signs and symptoms also need to be eliminated. There are imaging assessments, such as a CAT scan or MRI, that can be used to eliminate other issues. From time to time a dopamine transporter diagnostic might also be utilized.
The actual cause of Parkinson’s isn’t known. It does appear to have both genetic and environmental elements with it plus some specialists think that a virus may induce Parkinson’s as well. Decreased amounts of dopamine and also norepinephrine, a substance which in turn is responsible for the dopamine, have already been found in those with Parkinson’s, but it is not yet determined what is causing this. Unusual proteins which are named Lewy bodies have been located in the brains of those who have Parkinson’s; nevertheless, experts don’t know what role they may play in the development of Parkinson’s. While the specific cause just isn’t known, studies have identified risk factors that establish groups of people who are more prone to develop the condition. Men are more than one and a half times more prone to get Parkinson’s as compared to women. Caucasians are much more prone to get the condition as compared to African Americans or Asians. Those who have close members of the family who have Parkinson’s disease are more likely to develop it, implying the inherited contribution. A number of toxins could raise the potential for the problem, implying a role of the environment. People who experience difficulties with brain injuries can be more likely to go on and have Parkinson’s disease.
There is no identified remedy for Parkinson’s disease. That will not imply that the signs and symptoms can’t be handled. The main method is to use medicines to raise or replacement for the dopamine. Balanced and healthy diet together with frequent exercise is crucial. There may be changes made to the surroundings at home and work to keep the individual involved as well as active. There are also some options sometimes for brain surgical treatment which can be used to relieve some of the motor symptoms. A diverse team of different health professionals are often involved.
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